Which of these is included in the Commercial Crime Coverage Form?

The Commercial Crime Coverage Form specifically provides protection against losses due to criminal acts by employees, which is classically referred to as employee theft. This coverage is essential for businesses because it recognizes that employees can be in a position to commit theft, fraud, or other dishonest acts that may result in financial loss.

This inclusion is particularly important as it helps business owners safeguard against internal risks that are not covered under standard property or general liability insurance policies. Employee theft can take many forms, including the stealing of money, inventory, or other assets belonging to the employer, making this coverage vital for businesses that handle significant amounts of cash or valuable inventory.

Other options, such as acts of god, insurance fraud, and natural disasters, are not covered under this specific form. Acts of god typically fall under property insurance, while insurance fraud would generally be addressed by specific fraud prevention measures or different policy provisions. Natural disasters are also covered under different insurance forms such as property insurance. Therefore, employee theft is the correct answer as it directly aligns with the protection offered by the Commercial Crime Coverage Form.